Investment Management for Business Owners

Business owners comprise the largest percentage of our client base. The investment advisory community does not typically categorize the business of a client as part of the investment portfolio; however, it is usually an owner's largest investment. A business owner's investment plan should be tailored not only as a diversifier of business holdings, but also serve as complement and support of the entity that generates the most income and wealth for the family.

Clients with an Existing Business

Accumulation of assets. Risk management. We can:

• Work with existing advisors to find the optimal capital structures across business, estate, and portfolio level holdings.
• Incorporate asset protection strategies within the portfolio and overall wealth structure.
• Provide guidance on the correct type of retirement plan for employees.
• Design special retirement plans to preserve deferred assets unavailable to a typical corporate employee.
• Manage investment and cash assets to specified objectives.

Scenario planning. Analysis of Options. Prior to sale we can do the following:

• Prepare a detailed financial analysis combined with a timeline to establish precise parameters for spending according to cash flow from investments.
• Project required capital assets to obtain the desired family lifestyle.
• Analyze which liabilities should be paid off and/or which should be financed.
• Examine cash from total return on assets, not only from investment income.
• Prepare strategies for "retiring" before 59 ½.

Preservation and utilization of assets. We search for a thorough understanding of the individual to customize the management of larger, typically taxable assets. For clients that have sold their businesses, we offer the following:

• Ongoing quarterly meetings to mange capital in accordance with reasonable growth.
• Advanced management of taxable assets.
• Safeguard assets for future ventures.
• Special considerations for large, taxable values.
• Create a balance between growing assets and income needs.

Cascade shares an affinity with business owners because we, the partners of this firm, are business owners as well and understand the sacrifice and dedication it takes to create a successful business.